i think they add up to quite a difference over 3 1/4 years -- 3 or 4 years. i don't think that i think that the idea that we are projecting for the future means we are basing it on the past. the idea that some teachers don't take benefits, some do, that is not, to me, a very sound financial planning. sound financial planning is that you have this many, you assume that you have to pay this much in health benefits. it isn't a big amount every year, but the amount adds up. over five years, that amount will be in excess of $250,000. that is enough to make the school not successful.